Home Insurance Reviews

Sonnet Home Insurance Reviews

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(31 reviews)
Sonnet
1.7 out of 5 stars:
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Denied claim

by Dan on May 17, 2022
1 out of 5 stars

I bought a fixer-upper and got insurance from Sonnet insurance online.
The policy said I was covered for flooding and for sewer backup. The property was next to a stream so in September of 2020 I applied for a permit from WAWA (watercourse and wetland alteration) to place boulders next to the stream to prevent possible flooding in the spring.
It flooded in December of 2020 pushing soil up under the house and lifting the toilet and the pipes leading to the septic tank. Some of the pipes were broken and displaced. The support beam at the front of the house was washed away and support beams were cracked. The door was removed. The foundation was back washed away.
My claim was denied because they said the home was vacant for more than 30 days. It was not vacant!
Two or three months after the flood they cancelled my insurance for no reason.
I appealed to two separate ombudsmen and was denied.
I am now taking legal action.
Sonnet is terrible.

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Convenient but expensive

by Alex on Nov 16, 2021
4 out of 5 stars

We had a condo insurance policy with Sonnet and the rate continued to increase year over year. This November we had to renew the policy and decided that paying $88/month for a 2-bedroom-condo is too much. So we found something much cheaper - finished going with Square One Insurance for $57/month for an identical policy.

I can not deny that Sonnet is very convenient as you can do everything online avoiding unnecessary calls but at the end it turned out to be too expensive, once we started comparing the prices. A good decision.

A bit of unpleasant experience - two days after cancelling our Sonnet policy (I cancelled before it was renewed for another year) I got an email from them saying that I owe them over $950 for the new policy - that did not make me happy. I called them the next day just to find out that it is an automatically generated email and, since I cancelled before the renewal, I do not owe them anything. But that is something that should not have happened. At least, the lady on the phone was very helpful and friendly and the phone waiting time was not long: 3-4 minutes.

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Increased Rate 40% at Renewal

by Phil on Oct 15, 2021
1 out of 5 stars

Had a great experience when I effortlessly signed up online. 1 year later, they increased my rate by 40% for no good reason, no claims or anything along those lines. When I called up, they were unable to justify the change. Buyers beware, the first year may look attractive, but they will increase things for no reason the following year. Others have experienced the same thing.

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Review topics
Are you a condo unit tenant? Remember that neither your condominium corporations' policy nor your landlord's insurance policy protects you as a tenant (3rd part liability, contents, etc.). If you do not have your own insurance policy, get your condominium insurance quote today.

SCAM

by mustafa wida on May 20, 2021
1 out of 5 stars

They will give you a cheap price for the first year to lure you in, and as soon as your renewal is up Bammm, %200+ premium increase with no claims valid reason. The company simply doesn't care about customers if you don't mind changing insurance in a year
I say use this company for a year, and dump them like your garbage before your renewal is up, and be aware of the automatic renewal policy these scammers have.

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Horrible system

by Sonnet the Scam! on Feb 10, 2021
1 out of 5 stars

After paying regularly upfront for 3 years. No, option to cancel the insurance in the web portal. And if you delete your CC info they directly mark you as a defaulter, hit your credit score and ban you for 3 years. SCAM much?

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Became more expensive...

by Al on Nov 3, 2020
3 out of 5 stars

I got this insurance for my condo because it was easy to get online without calling anybody. The price was ok as well. A few days ago I got a notification about renewal cooking up and my rate increased significantly - it will be almost $70/month for a condo insurance policy. Other providers offer condo insurance for a half of that. Not happy with new rates and will change.

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Too Many Technical Problems

by Dogpile on Oct 20, 2020
2.5 out of 5 stars

Low premiums and good coverage, but technical problems make the whole experience too frustrating. I have tried Chrome and Edge browsers as well as Incognito mode on both, clearing cookies and cache. When I am finally able to connect to chat support, all they can do is promise that their IT support will get back to me, which never happens. A terrible business plan. Avoid this company.

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Unnecessary Cancellation

by SonnetSucks on Oct 14, 2020
1 out of 5 stars

No grace period for cancellation for ‘’non-payment” during COVID-19.
My credit card was replaced and before I had a chance to update the profile with the new info my policy had been cancelled.
Now I have been blacklisted and can’t receive insurance on my home from other Insurers.

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Fraudsters

by Samson D on Oct 5, 2020
2 out of 5 stars

Please don't be fooled by the first year quote you get. My home insurance went up from $900 to $3600 in the second year. Had difficulty cancelling. DO NOT BE FOOLED

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Avoid Sonnet

by northvolt on Oct 1, 2020
1 out of 5 stars

I have been with them for more than 2 years. No claim, always paid on time. Then out of nowhere and not backed by data they decide to increase their pricing by 110% and 75% respectively for two home policies I had with them. Support proposes me to remove the earthquake insurance which would reduce 100$ / year which would still make for a 95% increase. Support could not find data to support the drastic increase other than saying "we recently adjusted or pricing chart". I can't believe it's legal to increase pricing from 46.16/mo to 97.33/mo without valid reasons for a client without claims. This is a 110% increase!!! Avoid this company at all costs. Not worth the time. You can find better pricing with any other company.

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